At AFEX Mortgage you'll find fast, personalized financing to match your homeownership goals. Our team of experts simplifies the complex and works tirelessly to find the right solution for you.
No SSN required. Zero impact to credit.
Your information is never sold.
We're more than just a mortgage company. We're your partners in achieving homeownership.
Decades of combined experience in mortgage lending means we've seen it all and can guide you through any situation.
We don't give up. When others say no, we dig deeper to find the right loan program for your unique situation.
Your success is our success. We take the time to understand your goals and treat every client like our own family.
We fight for the best rates and terms on your behalf, ensuring you get the most favorable mortgage possible.
Our relationship doesn't end at closing. We're here for refinances, new purchases, and any mortgage needs throughout your life.
We stay ahead of market trends and offer innovative loan products that others simply don't have access to.
We offer a wide variety of mortgage options to fit your unique needs and financial situation.
Traditional financing with competitive rates for qualified buyers.
Government-backed loans with low down payment options.
Exclusive benefits for veterans and active military.
Financing for high-value properties above conforming limits.
Tap into your home's equity for major expenses.
Investment property loans based on rental income.
Convert home equity to income for seniors 62+.
Perfect for self-employed with non-traditional income.
Let our experts help you find the perfect program.
"Mario and his team made the home buying process incredibly smooth. They found us the best rate and were always available to answer questions. Highly recommend AFEX!"
"First-time homebuyer here and AFEX walked me through every step. They got me approved when other lenders said no. Can't thank them enough for making my dream come true!"
"We refinanced with AFEX and saved over $400/month. The process was fast and the communication was excellent throughout. They truly care about their clients."
"As a self-employed business owner, getting a mortgage seemed impossible. AFEX found a bank statement loan that worked perfectly for my situation. Amazing team!"
"Used AFEX for our VA loan. They understand veteran benefits and got us an incredible rate with zero down. Professional, knowledgeable, and always responsive."
"Third time working with AFEX and they never disappoint. Whether buying or refinancing, they always find the best solution. They're my mortgage team for life!"
Got questions? We've got answers. Here are the most common questions we receive.
Credit requirements vary by loan type. Conventional loans typically require 620+, FHA loans can go as low as 580, and VA loans have flexible requirements. We offer programs for various credit situations - contact us to discuss your options.
Down payment requirements range from 0% (VA loans) to 3% (some conventional) to 3.5% (FHA). We have programs for various down payment amounts and can help you explore down payment assistance options.
Most loans close in 21-45 days from application. The timeline depends on loan type, property type, and how quickly documentation is provided. We work efficiently to meet your closing date.
Yes! Getting pre-approved is highly recommended. It shows sellers you're a serious buyer and helps you understand your budget. Our pre-approval process is quick and straightforward.
Typically you'll need: pay stubs (last 30 days), W-2s (last 2 years), tax returns (last 2 years), bank statements (last 2 months), and ID. Self-employed borrowers may need additional documentation.
Yes! We offer rate locks to protect you from market fluctuations. Lock periods typically range from 30-60 days. We'll discuss the best timing strategy for your situation.
Private Mortgage Insurance (PMI) is required on conventional loans with less than 20% down. VA loans don't require PMI. We can discuss strategies to minimize or eliminate PMI based on your situation.
Absolutely! We specialize in working with self-employed borrowers. Our bank statement loan program allows us to qualify you based on deposits rather than tax returns.
We're always looking for talented individuals who share our passion for helping people achieve homeownership. Discover exciting career opportunities at AFEX Mortgage.
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